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Heat & Banks

November 19th, 2009 at 12:47 pm

I'm officially out of the heat challenge - a week earlier than last year.

I am not dissapointed at all - it's all the weather's fault. Big Grin

In fact, I was starting to wonder if I was getting hormonal, because the cold hasn't particularly bothered me. This morning it was 61 inside, and I didn't even flip it on.

BUT, dh whimped out a few days ago. I didn't even know until I came home to the heat on, and asked why he had turned it on (usually I cave first - even if he is home all day!). Anyway, said he had turned it on a couple of times, because he was COLD. I hadn't even known - doh! So I am out as of the 15th. (We are not in the "run the heat all day" stage - that will be winter. HE had only flipped it on for a bit, so I didn't know).

Anyway, along those lines, it was flipping cold today!!!! Down to almost 30 (farenheit) overnight - which is as cold as it gets, here. Brrrr. The only difference between now and winter is we still have gorgeous sunny days. So I am proud of myself, that I didn't even turn on the heat this morning.

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I saw a pile of turkeys this morning and tried to snap some pics. Will share later. (Don't they know they should be hiding this time of year???)

They emerge in large groups, in the spring and fall. No doubt they came out to soak up some sun? After such a chilly night?

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There was an interesting question a while back - if switching banks for every promotion was worthwhile. Balance that against a post about changing a bank for the first time in one's life.

To all that - it depends. Depends on how desparate you are and your preference. I would say switching banks every 90 days for free money is well worth it if you are pretty broke.

I've personally found that I am changing banks every year or 2, on average (online savings types). I've only switched my checking once in my life, and don't plan to move that around unless I have to. Finally sucked it up and got a more local bank once the mail got slow. (I had ALWAYS mailed my deposits prior - and was never an issue until 2006-ish). But, the local CU we ended up is larger, more local, and has proven to be a good change. I am very pleased. I had never lived so close to my CU before... Never in the same city even - now I could walk if I Wanted to. But really the best perk is a better infrastructure since they are a little larger. The online bill pay at my old CU sucked, for one. The proximity doesn't really matter to me so much. Though it's nice as long as the mail sucks and I don't have direct deposit.

That pretty much sums it up for me.

I wouldn't blame anyone for jumping from promotion to promotion, though. I just don't feel it's personally worth the effort, today. But I Wouldn't leave my money in a low-interest account for a long time either. Always keeping an eye out for something better... & I try to pick places that have historically high rates, because I really don't want to jump every 5 minutes.

2 Responses to “Heat & Banks”

  1. Joan.of.the.Arch Says:

    A pile? Is that what a group of turkeys is called? // I can think of ten bank/CUs I've had accounts with, not counting the ones where I've had CC accounts only.

  2. monkeymama Says:

    I think I called them a "herd" before and was corrected that they were something like a "gaggle." I don't remember. Pile is my unofficial term.

    Hmmm, I've had 4 CU accounts (one joint account with my dh's old CU) and 2 bank savings accounts. Well, more accounts, but 6 institutions I guess. I've really only been chasing rates for a couple of years though. I am sure there will be more!

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